Central Bank

Market Cap: Large Cap
Industry: Public Banks
ISIN: INE483A01010
NSEID: CENTRALBK
BSEID: 532885

INR

34.67

0.82 (2.42%)

BSENSE

Apr 11, 12:53 PM

BSE+NSE Vol: 69.52 lacs

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Half Yearly Results

Results Snapshot

Figures in Rs cr

Standalone Half Yearly Results

Sep'24

Sep'23

Sep'22

Sep'21

Sep'20

Sep'19

Mar'19

Interest Earned

16,537.41

14,575.94

11,681.48

10,964.78

12,069.60

11,604.53

11,261.65

Income On Investments

5,010.05

4,614.57

4,271.85

4,714.23

5,068.78

4,828.39

4,440.81

Interest On Balances With Rbi Other Inter Bank Funds

492.37

601.61

827.91

472.09

328.99

226.69

359.13

Interest / Discount On Advances / Bills

10,804.09

9,234.62

6,515.07

5,718.45

6,326.60

6,206.07

6,304.87

Others

230.90

125.14

66.65

60.01

345.23

343.38

156.84

Other Income

2,811.83

2,019.90

1,740.96

1,861.97

1,407.96

1,592.74

1,688.03

Total Income

19,349.24

16,595.84

13,422.44

12,826.75

13,477.56

13,197.27

12,949.68

Interest Expended

9,579.20

8,372.32

6,791.88

6,632.41

7,569.07

7,923.37

7,843.14

Net Interest Income

6,958.21

6,203.62

4,889.60

4,332.37

4,500.53

3,681.16

3,418.51

Total Expenditure (Excl Depreciation)

5,612.00

4,855.20

3,661.46

3,517.11

3,241.80

3,143.31

2,872.50

Employee Cost

3,540.69

2,926.09

2,234.09

2,247.28

2,044.60

1,863.61

1,582.76

Other Operating Expenses

2,071.31

1,929.11

1,427.37

1,269.83

1,197.20

1,279.70

1,289.74

Operating Profit Before Provisions and Contingencies

4,158.04

3,368.32

2,969.10

2,677.23

2,666.69

2,130.59

2,234.04

Exceptional Items

0.00

Provisions and contingencies

1,788.91

1,780.23

2,038.34

1,682.90

1,996.50

1,826.10

6,545.67

Profit Before Tax

2,369.13

1,588.09

930.76

974.33

670.19

304.49

-4,311.63

Tax

576.35

564.23

377.81

518.73

373.97

52.09

-1,115.99

Profit After Tax

1,792.78

1,023.86

552.95

455.60

296.22

252.40

-3,195.64

Extraordinary Items

0.00

-9.35

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

1,792.78

1,023.86

552.95

464.95

296.22

252.40

-3,195.64

Face Value

10.0

Reserves

0.00

27,997.79

Earnings per share (EPS)

2.07

1.18

0.64

0.52

0.5

0.61

-7.9

Diluted Earnings per share

2.07

1.18

0.64

0.58

0.52

0.61

0.0

Operating Profit Margin (Excl OI)

55.25%

54.48%

51.21%

52.39%

56.6%

57.18%

16.37%

Gross Profit Margin

14.33%

10.9%

7.97%

8.89%

5.55%

2.62%

31.36%

PAT Margin

10.84%

7.02%

4.73%

4.16%

2.45%

2.18%

-28.38%

Net Interest Margin

0.0%

2.82%

0.0%

Return on Assets

0.0%

CASA (%)

48.93%

49.4%

50.99%

49.79%

47.72%

45.49%

0.0%

CASA Amount

1,91,270.00

1,82,838.00

1,74,296.00

1,67,203.00

1,53,788.00

1,38,599.00

0.00

Capital Adequacy Ratio (Total)

16.27%

14.82%

13.56%

13.51%

12.34%

12.57%

0.0%

Capital Adequacy Ratio (Tier 1)

14.01%

12.14%

11.62%

11.53%

10.13%

10.34%

0.0%

Provision Coverage Ratio (%)

96.31%

92.54%

89.2%

85.86%

82.24%

67.74%

0.0%

Amount of Gross NPAs

11,604.25

10,666.03

19,059.24

27,251.73

30,785.43

33,497.22

32,356.04

Amount of Net NPAs

1,673.97

3,664.22

5,406.68

7,004.00

8,681.58

11,551.91

11,333.24

% of Net NPAs

0.69%

1.64%

2.95%

4.51%

5.6%

7.9%

7.73%

% of Gross NPAs

4.59%

4.62%

9.67%

15.52%

17.36%

19.89%

19.29%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

4085.0

4044.0

2111.0

3392.0

0.0

Number of Branches

4528.0

4489.0

4517.0

4594.0

4256.0

4681.0

0.0

Half Yearly Analysis Highlights

Interest Earned

Growth in half year ended Sep 2024 is 13.46% vs 24.78% in Sep 2023

Net Profit

Growth in half year ended Sep 2024 is 75.10% vs 85.16% in Sep 2023

Operating Profit (PBDIT)

Growth in half year ended Sep 2024 is 23.45% vs 13.45% in Sep 2023

% of Net NPAs

Growth in half year ended Sep 2024 is -0.95% vs -1.31% in Sep 2023

% of Gross NPAs

Growth in half year ended Sep 2024 is -0.03% vs -5.05% in Sep 2023

Compare Half Yearly Results Of Central Bank With

Select Peers

Figures in Rs cr

Standalone Half Yearly Results

Change(INR)

Change(%)

Interest Earned

16,537.41

2,25,396.54

-2,08,859.13

-92.66%

Income On Investments

5,010.05

56,288.87

-51,278.82

-91.1%

Interest On Balances With Rbi Other Inter Bank Funds

492.37

2,043.02

-1,550.65

-75.9%

Interest / Discount On Advances / Bills

10,804.09

1,60,221.14

-1,49,417.05

-93.26%

Others

230.90

6,843.51

-6,612.61

-96.63%

Other Income

2,811.83

26,432.42

-23,620.59

-89.36%

Total Income

19,349.24

2,51,828.96

-2,32,479.72

-92.32%

Interest Expended

9,579.20

1,42,651.55

-1,33,072.35

-93.28%

Net Interest Income

6,958.21

82,744.99

-75,786.78

-91.59%

Total Expenditure (Excl Depreciation)

5,612.00

53,435.09

-47,823.09

-89.5%

Employee Cost

3,540.69

30,273.32

-26,732.63

-88.3%

Other Operating Expenses

2,071.31

23,161.77

-21,090.46

-91.06%

Operating Profit Before Provisions and Contingencies

4,158.04

55,742.32

-51,584.28

-92.54%

Exceptional Items

0.00

Provisions and contingencies

1,788.91

7,955.15

-6,166.24

-77.51%

Profit Before Tax

2,369.13

47,787.17

-45,418.04

-95.04%

Tax

576.35

12,420.57

-11,844.22

-95.36%

Profit After Tax

1,792.78

35,366.60

-33,573.82

-94.93%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

1,792.78

35,366.60

-33,573.82

-94.93%

Face Value

10.00

1.00

0.00

Reserves

0.00

Earnings per share (EPS)

2.07

39.63

-37.56

-94.78%

Diluted Earnings per share

2.07

39.63

-37.56

-94.78%

Operating Profit Margin (Excl OI)

55.25%

72.76%

0.00

-17.51%

Gross Profit Margin

14.33%

21.20%

0.00

-6.87%

PAT Margin

10.84%

15.69%

0.00

-4.85%

Net Interest Margin

0.00%

3.18%

-3.18

-3.18%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

48.93%

40.03%

8.90

8.90%

CASA Amount

1,91,270.00

19,36,199.00

-17,44,929.00

-90.12%

Capital Adequacy Ratio (Total)

16.27%

13.76%

2.51

2.51%

Capital Adequacy Ratio (Tier 1)

14.01%

11.32%

2.69

2.69%

Provision Coverage Ratio (%)

96.31%

75.66%

20.65

20.65%

Amount of Gross NPAs

11,604.25

83,369.23

-71,764.98

-86.08%

Amount of Net NPAs

1,673.97

20,294.32

-18,620.35

-91.75%

% of Net NPAs

0.69%

0.53%

0.16

0.16%

% of Gross NPAs

4.59%

2.13%

2.46

2.46%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

4,085.00

0.00

4,085.00

Number of Branches

4,528.00

0.00

4,528.00

Half Yearly - Interest Earned

Interest Earned 16537.41 Cr

in Sep 2024

Figures in Rs Cr

Growth in half year ended Sep 2024 is 13.46% vs 24.78% in Sep 2023

Half Yearly - Net Profit

Net Profit 1,792.78 Cr

in Sep 2024

Figures in Rs Cr

Growth in half year ended Sep 2024 is 75.10% vs 85.16% in Sep 2023

Half Yearly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 4,158.04 Cr

in Sep 2024

Figures in Rs Cr

Growth in half year ended Sep 2024 is 23.45% vs 13.45% in Sep 2023

Half Yearly - % of Net NPAs

% of Net NPAs 0.69%

in Sep 2024

Figures in Rs %

Growth in half year ended Sep 2024 is -0.95% vs -1.31% in Sep 2023

Half Yearly - % of Gross NPAs

% of Gross NPAs 4.59%

in Sep 2024

Figures in Rs %

Growth in half year ended Sep 2024 is -0.03% vs -5.05% in Sep 2023